The In Sound

June 02, 2015

How much money are you wasting on Illinois auto insurance right now?

The overwhelming majority of drivers out on the open road today (in Illinois as well as all over the country, for that matter) are overspending on their auto insurance – sometimes significantly.

We are talking about millions of Americans spending 30% more on their auto insurance than they should be, and worst of all, most of them aren’t even aware of the fact that they are throwing money down the drain in the first place.

If you are currently paying more than you feel is fair for automobile insurance in Illinois, you’re going to want to pay attention to the secrets that are revealed in this quick guide. We give you a couple of tips and tricks to help you save money on your Illinois auto insurance, tips and tricks that you can immediately put into play to start saving money almost overnight.

Ready to jump right in?

The value of getting Illinois auto insurance quotes even when you already have a policy

Most people already have some kind of auto insurance plan set up, but that doesn’t mean that it isn’t important to hunt for the very best Illinois auto insurance quotes from you can find from competing companies.

After all, if you aren’t aware of the options that are available to you, and how much money you could save by jumping ship to another company, how are you ever going to know when it’s time to move on?

Regardless of how much longer you have left on your policy (and especially if you are on a month to month style payment plan), you should look into different Illinois auto insurance quotes from as many competitors as you can reasonably research – all in an effort to find lower prices and (ideally) better coverage.

This will be tremendous leverage going forward.

Make sure that your Illinois auto insurance company is aware that you are thinking about walking

You see, when you get your hands on those Illinois auto insurance quotes we mentioned above, you’re going to be armed with real market research that you can use as leverage against your current auto insurance company.

You’ll be able to go to them and tell them that you either intend to walk right now or when your policy completes, unless of course they are willing to work with you and give you the same kind of coverage at the same kind of discount.


June 02, 2015

Ohio Home Insurance: Personal Liability Coverage

When you take out home insurance your main reason for doing so will be out of concern for your home and your belongings with in it. Home insurance will give you protection in the face of unfortunate events such as robbery, damage caused by extreme weather, flooding or fire damage. However, you also need to consider that there may be time when someone is injured within your home or someone else’s property has been neglected or damaged within your home and they may wish to file a claim against you. This is not a nice prospect to consider but it is something that happens. When you take out Ohio home insurance personal liability coverage from will be automatically included.

What is Personal Liability Coverage?

The main point of personal liability coverage is that it will protect you in the event that claim is filed against you as a result of any bodily harm or property damage caused to another that is considered to be due to negligence on your part. It will include everyone that resides under your room including dependants who live away from home as long as they are under the age of 21. Common liability coverage is $100,000 for personal liability, $1,000 for medical payments and $500 for the property of others.

Medical Payments

If a person is injured on your property, either by a member of the family or a family pet then this coverage will cover the medical expenses of the victim. It will not cover the medical bills of you or other members of your family. The amount of medical coverage you will receive will vary depending on your chosen insurance company and the premium you are willing to pay.

Damage to Property

This coverage is there to protect you in the event that someone else’s property is damaged by you or a member of your family. However, the coverage usually excludes intentional acts, or claims that have come from business activities, as well as injuries caused by operating a vehicle such as a car, plane or motorboat.

Personal liability coverage is an integral component of any Ohio home insurance policy and it would be in your best interest to do your research on this. It’s important to shop around and find a provider that offers you the best protection for your money. Policies can vary widely and comprehensive protection should not be taken for granted.



June 02, 2015

Find Out About Automobile Insurance in New Jersey

This is a precondition that you acquire no-fault coverage for your vehicle in NJ however you have a decision to make in terms of the organization by which you buy your insurance from. Getting the proper information about New Jersey auto insurance from to assist you in the preparation process of finding the right insurance. Listed here are some questions that are frequently asked in reference to New Jersey Auto insurance.

Why Must I Buy Auto Insurance?

New Jersey law says you have to purchase a no-fault form of insurance. If you are hurt in an accident your policy can now pay all of your medical bills as well as throughout your recovery. You may even be eligible to receive paychecks from your insurance company in place of you not being able to work. This can happen for no more than three years in a row. If you are hurt badly, it could mean you will have a lot of money coming to you for many years. This general precaution is one of the best reasons to have any kind of auto insurance.

What happens if I don’t buy it?

If you have a car and you or someone else drives it yet you have no insurance you may be have to pay for all of the damages and injuries that were caused because of the accident. You may very well have to serve jail time and pay significant fines for up to $500. The court may in fact decide to suspend your license as well. So not only could you go to jail but you would have to pay fines and would not have a driver’s license. You must have proof if you are ever pulled over.

What kind of info should I ask for when I am going to get a new policy?

Customer service is a big part of why you should go with one company over another. This goes for customer service over the phone as well as their rates and premiums. If you are at any time unhappy with the answers you are being given you are under no obligation to continue your relationship with this company. You want to make sure you both are on the same page so there is not a dispute that hits you later on. Make sure you ask any question that you see fit.

Under no circumstances should you drive without insurance in any state, including New Jersey.



June 02, 2015

Your Pennsylvania health insurance and Obamacare

Obamacare, also known as the Affordable Care Act, was intended to help Americans access and afford health care. One way it does that is to make Pennsylvania health insurance from more affordable and set guidelines that are consumer friendly.


Back in the day it was not unusual for a health plan to refuse to cover someone with a pre-existing condition. The burden of potentially costly health care was left for the patient to pay, entirely. That cannot happen any longer.  Pennsylvania health insurance companies may not deny coverage to anyone with a pre-existing condition.


Similarly, if someone becomes ill, an insurance company may not drop them from the policy. They can’t limit the amount of insurance that patient uses, either. Both of these scenarios were not uncommon before the Act but they are now illegal.


Let’s say you change jobs and need to change Pennsylvania health insurance companies. You’re worried because your child has a chronic illness and in the past, your child was denied coverage. That can no longer happen, either.


One compelling reason for these kinds of changes is that the most frequent cause of bankruptcy is medical expenses. Without coverage, medical bills mount and can devastate a family financially. Now, those who have been denied coverage can get it.

Positive health insurance changes


If you’d like to cover your adult child on your insurance, you can, until he or she is 26. They can be added to your policy (for a fee) and it makes no difference if they are married or even where they live.  If an adult child is in grad school or has some other reason why insurance is hard to get, he or she can be covered until age 26.


No more surprise rate hikes


If you’ve ever been blindsided by a rate hike, you won’t be any more, since the Affordable Care Act says that insurers are required to obtain state approval for any rate changes.  It also mandates that insurance companies spend at least 80 percent of their premiums on the provision of actual medical benefits, rather than on advertising or salaries for management. It’s got teeth, too: if they do not comply, the overage must be paid back to policy-holders.

Health insurance for seniors


Medicare recipients can get wellness and preventive care visits for free under Obamacare.



Today, more consumers than ever before have access to Pennsylvania health insurance.  Over time, that will mean a more healthy population.